How to activate a rural credit cooperative credit card
To activate a rural credit cooperative credit card, you can use the following methods:
Operating environment:
Brand model: iPhone13
System version: iOS15.3.1
App version: v4.1.2
1. Go to the counter of the business outlet for activation. You need to bring your ID card and credit card.
2. If there are many people handling business at the bank branch, you can also choose the bank's self-service machine for activation with the help of the staff.
3. If you have online banking, you can also choose online banking to activate the card and set a transaction withdrawal password.
4. Self-service card opening via phone voice. Of course, you will need to enter some personal information before activation to ensure that it is the cardholder himself. If the information is entered incorrectly, it will be transferred to manual card opening.
Most rural credit cooperatives do not carry out credit card business. If you want to apply for a credit card at a rural credit cooperative, you must go to the local rural credit cooperative in advance to inquire whether this business is available. Some rural credit cooperatives that have launched credit card services have basically the same credit card application targets as commercial banks. As long as they are over 18 years old, have full capacity for civil conduct, have the ability to repay interest and have good personal credit, they can apply. .
China Rural Credit Cooperatives (abbreviation: Rural Credit Cooperatives, Rural Credit Cooperatives, English name: RuralCreditCooperatives) was established with the approval of the People's Bank of China, is composed of members as shareholders, implements democratic management, and mainly provides financial services to members. rural cooperative financial institutions.
China Rural Credit Cooperatives is an independent corporate legal person that is responsible for the debts of rural credit cooperatives with all its assets. Its main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy. In accordance with the provisions of national laws and financial policies, organize and regulate rural funds to support agricultural production and comprehensive rural development, support various forms of cooperative economy and member family economy, and restrict and crack down on them.
As early as the 1950s, the People's Bank of China's rural outlets were changed to rural credit cooperatives. The purpose of rural credit cooperatives is "farmers help each other with funds", that is, farmers form credit cooperatives, members contribute money to form capital, and members use the money to obtain loans.
The relationship between the county federation and an individual credit union is equivalent to the relationship between the head office and the branch. There is a county federation in a county. At first, the county federation was under the management of the Agricultural Bank of China; after 1996, it was under the management of the People's Bank of China; after 1999, the People's Bank gradually established prefecture (city) federations, and the county federation was again under the jurisdiction of the local (city) federation. After 2003, the People's Bank of China withdrew, canceled the prefectural (municipal) cooperatives, and handed over the management of rural credit cooperatives to the provincial government. The provincial government established the provincial cooperatives, and the provincial cooperatives managed the county cooperatives. society.
Rural Credit Cooperative Credit Card Activation Steps
There are three ways:
Activate through the bank counter where the credit card is located. After selecting the appropriate language, please enter the cardholder and check the password; call the credit card service phone number on the card to activate;
Log in to the credit card online banking and activate online. You need to come forward and have your original ID card. Press the # key to confirm; according to the voice prompts, select " Card activation option under the "Credit Card Activation and Password Management" menu; enter the last 3 digits printed after the signature field on the back of the cardholder's credit card.
Service phone activation method: call the 24-hour customer service hotline shown on the back of the credit card; enter the cardholder's residential phone number and press the # key to confirm; enter a 6-digit number as the cardholder's transaction password , press the # key to confirm; re-enter the 6-digit transaction password and press the # key to confirm; the transaction password is set successfully.
Nature of Rural Credit Cooperatives
Rural Credit Cooperatives are bank financial institutions. The so-called bank financial institutions are also called depository institutions and depository currency banks. Their unique characteristics are that It absorbs deposits as its main liabilities, issues loans as its main assets, handles transfer settlements as its main intermediary business, and directly participates in the creation process of deposit currency.
Rural credit cooperatives are also credit cooperative institutions. The so-called credit cooperative institutions are cooperative financial institutions jointly formed by individuals to raise funds with the main purpose of mutual assistance, referred to as "credit cooperatives", with the purpose of mutual aid and self-help. Carry out deposit and loan business among members.
The establishment of credit cooperatives is directly related to the development of natural economy and small commodity economy.
Due to the characteristics of seasonal, sporadic, small amount and small-scale financing needs of agricultural producers and small commodity producers, it is difficult for small producers and farmers to obtain the support of bank loans, but objectively, production The development of circulation and circulation must solve the problem of insufficient capital, so this kind of mutual aid and self-help credit organization established by paying shares and deposits emerged.
Rural credit cooperatives are cooperative financial organizations that are composed of farmers as shareholders, implement democratic management by the members, and mainly serve the members. They are legal financial institutions established with the approval of the People's Bank of China in accordance with the law. Rural credit cooperatives are an important part of China's financial system. Their main task is to raise idle funds in rural areas and provide financial services for the development of agriculture, farmers and rural economy.
How to apply for a rural credit cooperative credit card
1. First fill in the credit card application form at the local rural credit cooperative service outlet
2. After completing the filling, submit the relevant Materials include proof of income, proof of employment, and the original and copy of your ID card.
3. After the credit card-related review materials are submitted, the card will generally be issued within fifteen working days. You can also call the rural credit cooperative hotline to check the credit card processing progress
4. You can also Enter the official website of the Rural Credit Cooperative, click on Credit Card Application, fill out the credit card application form, and then go to the local credit cooperative service agency to submit relevant materials
5. If you have a bank card from a Rural Credit Cooperative, you can download Rural Credit Cooperative Cooperative app, go to apply for a credit card through the credit card application section in the app
How to activate the rural credit cooperative card
1. Phone activation
Use the reserved mobile phone used to apply for the card Call the hotline 4006695599 and follow the voice prompts to activate your credit card.
2. Branch activation
The cardholder holds an unactivated credit card and his or her ID card, and goes to any Agricultural Bank of China branch to ask staff to help activate
3 , Mobile phone activation
Download the Agricultural Bank of China APP, find the credit card - card application - activation service on the homepage, and follow the prompts to activate the credit card.
4. Online banking activation
Log in to personal online banking, find credit card - card management, select credit card activation service, and activate the credit card according to the prompts on the page.
Disadvantages
The invention of credit cards is like a double-edged sword, which can solve the temporary economic crisis, but the purpose of banks issuing credit cards is to make money. Once the interest-free repayment time is exceeded, , a high amount of interest will be charged, usually 50,000 per day.
Swiping cards for blind consumption is not like spending money one by one like paying with cash. Once you swipe, you don’t feel anything, just a few numbers, which leads to blind consumption and money flowing like water.
Excessive consumption of laptop installments, digital camera installments, and smartphone installments. While enjoying your favorite items in advance, you must also consider whether you are able to repay them.
High Interest Rates If you don’t know how to take care of your credit card and cannot repay the loan as scheduled when the final payment date comes, the bank will charge you high interest rates. (The minimum repayment for the first month of a credit card shall not be less than 10% of the overdraft amount of the month) [8]
Credit cards that require annual fees basically have annual fees, but there are basically annual fees. For example, China Construction Bank only needs to swipe the card three times a year to waive the fee; but if you do not swipe the card the number of times specified by the bank in a year, an annual fee will be charged.
Scam credit cards basically use password-free swiping by default. This makes it easy for someone else to swipe the card when it is lost or stolen, causing unnecessary trouble or losses; but in fact, you can also apply for a credit card. Spending by swiping the card with the password - this depends on how you manage your credit card. Of course, many people lack experience in this area and do not close the account after canceling the credit card. Some criminals re-apply for a credit card overdraft and lose money in vain. , very not worth it.
Affected personal credit record Long-term malicious arrears will naturally affect personal credit record and even be blacklisted by the bank. If you want to apply for a bank loan to buy a house or a car in the future, you may be rejected by the bank.
Cancellation Trouble CCTV once reported that a cardholder still received bank statements several months after canceling his credit card after paying off all the outstanding balances. What happened after that made him miserable. This famous article For "Credit Cards That Can't Be Repaid", he exposed the shortcomings of today's credit cards.
Although there is an interest-free period for credit cards, it is only for card consumption. There is no interest-free period for cashing out, and handling fees are also charged.
That’s it for the introduction on how to activate rural credit cooperative credit cards.